| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | PO BOX 168 WINSTON SALEM, NC 27101 | SYMETRA LIFE INSURANCE COMPANY | — | $10K | $10K | 1.49% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB & T INSURANCE SERVICES | 3605 GLENWOOD DRIVE RALEIGH, NC 27612 | DELTA DENTAL PLAN OF TENNESSEE | $9K | — | $9K | 2.50% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICE INC | 735 BROAD STREET SUITE 608 CHATTANOOGA, TN 37402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | $3K | $23K | 11.67% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $8K | $8K | 4.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERICES INC | 735 BROAD STREET SUITE 608 CHATTANOOGA, TN 37402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $2K | $8K | 6.59% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 4.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 735 BROAD STREET SUITE 608 CHATTANOOGA, TN 37402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $2K | $18K | 16.63% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 4.00% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 27612 | VISION SERVICE PLAN | $223 | — | $223 | 0.33% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 735 BROAD STREET SUITE 608 CHATTANOOGA, TN 37402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $235 | $2K | 11.59% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $590 | $590 | 4.00% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $339K |
| BB&T INSURANCE SERVICES EIN 56-1623293 BROKER | Other commissions Service code 55 | PO BOX 168 WINSTON-SALEM, NC 27102 | $0 |
| THE BENEFIT COMPANY INC EIN 57-0968080 BROKER | Other commissions Service code 55 | PO BOX 211486 COLUMBIA, SC 29221 | $0 |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 542 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 560 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF TENNESSEE | 911 | $356K |
| Vision | VISION SERVICE PLAN | 502 | $67K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 548 | $193K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 318 | $106K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 548 | $118K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 528 | $657K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 707 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 911 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.